| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | STE 1500 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | UNUM LIFE INSURANCE CO. OF AMERICA | — | $28K | $28K | 1.86% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | DELTA DENTAL OF KENTUCKY | $6K | — | $6K | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $790K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 3,012 | $568K |
| Life insurance | UNUM LIFE INSURANCE CO. OF AMERICA | 1,471 | $1.5M |
| Short-term disability | UNUM LIFE INSURANCE CO. OF AMERICA | 1,471 | $1.5M |
| Long-term disability | UNUM LIFE INSURANCE CO. OF AMERICA | 1,471 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,012 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
No prospect flags tripped on this filing.